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Credit Human

San Antonio, TX · Est. 1935
C
Trust Grade
Average
Score: 74/100

Credit Human is a credit union based in San Antonio, Texas, established in 1935, with $4.4 billion in total assets serving 263,451 members. By Trust Grade it ranks 352nd of 379 credit unions we track in Texas. Its net worth ratio of 7.3% trails most similarly sized credit unions (0th percentile), versus a Texas median of 13.5%. It was profitable over the most recent period, with a 0.14% return on assets. No consumer complaints against Credit Human appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$4.4B
$1B–10B institution
Members
263,451
Shares & deposits
Net worth ratio
7.3%
Bottom 0% of $1B–10B peers · Texas median 13.5%
Return on assets
0.1%
Bottom 8% of $1B–10B peers · Texas median 0.58%
Rank in Texas
#352
of 379 credit unions

How Credit Human compares to Texas peers

Net worth ratio
Bottom 0% of $1B–10B peers
Credit Human
7.3%
Texas median
13.5%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 8% of $1B–10B peers
Credit Human
0.1%
Texas median
0.6%
Higher ROA = more profitable relative to asset base

How we graded Credit Human

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
74/100
Customer experience
n/a
Overall
C · 74
  • Well-capitalized (7.3% capital ratio)
  • Profitable (ROA 0.14%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Credit Human over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Credit Human insured?

Yes. Credit Human is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Credit Human: frequently asked questions

Is Credit Human a good credit union?

Credit Human earns a Bankzia Trust Grade of C (74/100, "Average"), based on a financial-strength score of 74/100 (it has no CFPB complaints on record). Well-capitalized (7.3% capital ratio); Profitable (ROA 0.14%).

Is Credit Human NCUA-insured?

Yes. Credit Human is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Credit Human?

Credit Human holds $4.4 billion in total assets, ranking 352nd of 379 credit unions we track in Texas. It serves 263,451 members.

Does Credit Human have CFPB complaints?

No CFPB complaints against Credit Human appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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